What does "SR-22" signify in auto insurance?

"SR-22" signifies a document that certifies an individual's minimum insurance coverage, which is often mandated by law in certain situations, such as after a DUI conviction or for drivers who have a history of multiple traffic violations. This document serves as proof to the state that the driver has the necessary liability insurance required to operate a vehicle legally.

When a state requires an SR-22, it indicates that the individual may have been deemed a higher risk, and the SR-22 must be filed with the state by an insurance company, affirming that the driver is carrying the required minimum level of auto insurance. It is important to note that an SR-22 is not an insurance policy itself but rather a certification related to one's insurance status.

The other options do not accurately represent the purpose or definition of an SR-22. For instance, it is not associated with premium discounts, endorsements for thorough coverage, or notifications about claim denials. This certification specifically pertains to verifying compliance with mandated insurance requirements.